With 17.8 million drivers on the road in Texas, drivers face a significantly higher risk – as well as higher premiums – than drivers in other less-populated states. According to a 2021 study of quoted annual premiums, the average cost of Carrollton car insurance is $600 per year for minimum liability and $1,901 per year for full coverage. If you're concerned about finding affordable coverage, you might want to look into the insurance companies mentioned in this review. According to our research, the following are the best cheap car insurance companies in Carrollton for 2021.
Carrollton's top auto insurance companies
We looked at specific rate factors that influence insurance costs, such as annual premiums and available coverage options, to find the best cheap car insurance in Carrollton. We considered car insurance discounts and customer support options in addition to average annual premiums.
Geico
Geico may be a good option because it offers extra benefits such as emergency roadside assistance, rental reimbursement, and mechanical breakdown insurance. Drivers may also be able to save money by taking advantage of additional discounts on vehicle equipment, driving habits, education, affiliations, and loyalty savings programmes.
Geico's auto insurance is simple to combine with other types of insurance, including homeowners, renters, condo, and even boat insurance. Its customer service is available 24 hours a day, seven days a week, and it has a convenient online and mobile claims centre where you can file a claim and request roadside assistance.
USAA
USAA is a top customer satisfaction provider, but it is ineligible for J.D. Power's official rankings because it only serves the military, veterans, and their immediate family members.
The coverage is all-inclusive, with the option to add roadside assistance, rental reimbursement, and personal injury protection (PIP). Military members can earn discounts for keeping their annual mileage low, storing their vehicle on base, and deployment-related discounts. Other ways to save include special discounts for safe drivers and good students.
Nationwide
J.D. Power does not rate Nationwide in the Texas region for customer satisfaction, but it does well in other areas. Accident forgiveness, as well as gap coverage and classic car insurance, are available. Bundle discounts and a Vanishing Deductible, which would potentially lower your deductible for each year of safe driving, are two potential auto insurance discounts
Nationwide also has two signature usage-based programmes: Smart Ride, which can save you up to 40% off your policy if you drive safely, and SmartMiles, which offers a flexible monthly rate based on mileage.
State Farm
State Farm is a long-established company with a wide range of coverage options, despite its average customer satisfaction rating. It specialises in custom car insurance, so you can get coverage for your sports car as well as auto insurance for the new driver in the family. Rideshare insurance is also available if you drive for a ridesharing company such as Uber or Lyft. Bundle discounts on multiple vehicles or policies are also available.
There are two exclusive savings programmes that use telematics to potentially help you save: Drive Safe and Save for safe driving and Steer Clear for young drivers under the age of 25 who maintain a clean driving record for three years or more.
Allstate
Allstate trails behind State Farm in customer satisfaction, according to J.D. Power, but it can still be a good option for cheap insurance in Carrollton. Allstate's Drivewise app is a telematics-based app that provides discounts based on your safe driving habits. You may also be able to save money if you buy a new car, get good grades in school, or purchase multiple policies. There are also several payment-related discounts available, such as pay-in-full, early renewal, and automatic payment withdrawal.
Allstate also provides insurance for ridesharing, classic cars, and teen drivers, as well as custom equipment coverage, personal injury protection, and a personal umbrella policy for additional protection.
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